LendingClub Personal Loan vs. Upgrade Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
LendingClub Personal Loan
LendingClub Bank
4.2
APR 8.99–36.00%. $1K–$40K. Joint applications available.
Full review →
Upgrade Home Improvement Loan
Upgrade
4.2
APR 8.49–35.99%. $1K–$50K. Accepts lower credit.
Full review →WealthSpott Verdict
Upgrade Home Improvement Loan wins on more measurable categories — particularly on rate and cost. LendingClub Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
LendingClub Personal Loan
Upgrade Home Improvement
APR Range
8.99% – 36.00%
8.49% – 35.99% Best
Loan Amount
$1,000 – $40,000
$1,000 – $50,000 Best
Term Length
36–60 months
24–84 months
Origination Fee
1–6% of loan amount Best
1.85–9.99%
Min Credit Score
600+
560+ Best
Funding Speed
A few days
1 business day
LendingClub Personal Loan
Upgrade Home Improvement Loan
Pros
- Accepts lower credit scores
- Accepts lower credit scores
- Fast approval
- Fast approval
- Direct contractor payments
- Direct contractor payments
Cons
- Higher origination fee
- Higher origination fee
- APR can be high
- APR can be high
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